🛡️

Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best FHA Mortgage Lenders in Milwaukee

Updated February 5, 2026

Market Overview

129

Total Lenders

16,440

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Associated Bank, National Association	Exceptional	Exceptional	Strong	Strong	Exceptional	$425	-0.055%	569
2	Bank Five Nine	Exceptional	Strong	Strong	Exceptional	Exceptional	$919	+0.210%	567
3	The Equitable Bank, S.S.B.	Exceptional	Exceptional	—	Strong	Exceptional	$656	+0.023%	197
4	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,738	+0.258%	590
5	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,432	+0.142%	225
6	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,105	+0.335%	197
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,334	+0.367%	114
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,763	+0.372%	102
9	A + MORTGAGE SERVICES, INC.	Exceptional	Strong	Sound	Strong	Exceptional	$1,306	+0.313%	373
10	Waukesha State Bank	Exceptional	Strong	—	Strong	Exceptional	$337	+0.149%	313
11	WISCONSIN MORTGAGE CORPORATION	Exceptional	Strong	Strong	Sound	Exceptional	$923	+0.147%	251
12	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$264	+0.144%	230
13	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$758	+0.080%	77
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,765	+0.472%	953
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,758	+0.377%	815
16	University of Wisconsin Credit Union	Strong	Strong	Sound	Sound	Exceptional	$261	+0.158%	692
17	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Strong	$1,562	+0.337%	306
18	Bank of England	Strong	Sound	Exceptional	Strong	Strong	$2,103	+0.466%	279
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,955	+0.458%	126
20	PLANET HOME LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,813	+0.325%	118
21	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,585	+0.469%	96
22	FIRST STATE MORTGAGE SERVICES, LLC	Strong	Sound	Strong	Exceptional	Strong	$658	+0.353%	92
23	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$1,169	+0.264%	283
24	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,876	+0.484%	110
25	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,559	+0.389%	110
26	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,357	+0.485%	108
27	CIBM Bank	Strong	Sound	Strong	Strong	Strong	$432	+0.367%	65
28	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Sound	$2,263	+0.563%	62
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,497	+0.357%	408
30	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,927	+0.133%	357
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,713	+0.675%	248
32	Barrington Bank & Trust Company, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$1,716	+0.241%	220
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,894	+0.251%	172
34	BMO Bank National Association	Strong	Sound	Strong	Sound	Strong	-$39	+0.300%	160
35	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$1,223	+0.590%	159
36	Bell Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,949	+0.452%	153
37	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,979	+0.263%	120
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$4,604	+0.492%	101
39	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$865	+0.268%	57
40	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$1,200	+0.512%	185
41	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,450	+0.807%	97
42	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,610	+0.342%	75
43	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,740	+0.761%	51
44	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,732	+0.498%	36
45	Ixonia Bank	Strong	Mediocre	Exceptional	Strong	Strong	$1,960	+0.479%	215
46	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,178	+0.505%	193
47	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,208	+0.438%	97
48	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$3,708	+0.775%	75
49	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$2,685	+0.405%	68
50	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,590	+0.368%	37

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

MilwaukeeFHA

No credit impact

3-minute process

100% free